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Bank Statement Calculation Mortgage Lenders

How is Bank Statement Income Calculated?

Total deposits, less business expense ratio, annualized, multiplied by the % of ownership
Standard 50/50 deposit to expense ratio is used but can be up to 65/35 if supported by a CPA expense statement.

Company Ownership

Borrower(s) must own at least 50% of the company to use a business account for income.

Business Bank Statements

If borrower also has a Business Bank Account we will use 100% of personal account deposits averaged over a 12/24 mo. period with 2 mo. business bank statements.

Business Bank Account an expense ratio will be applied.

Working from home with no employees is eligible for an 85/15 deposit to expense ratio supported by a CPA expense statement, otherwise max 65/35 ratio.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Lending

Non-Qualified Lenders

Non-Qualified Mortgage Lending

Purchase Loans

Purchase Loans | Alt Doc

Refinance Loans

Refinance Loans | Alt Doc

Second Mortgages Loans

Second Mortgages - Niche

Construction Loans